Variable interest rate
Continual credit
No set repayments

Our Line of Credit is an overdraft facility that provides you with a continual source of credit whenever needed.

Its flexibility allows you to draw up to your credit limit at any time and pay off as much or as little as you like (provided it remains under the credit limit).

Features

  • Have your pay deposited directly into the Line of Credit to reduce any interest charged and access your funds like a regular transaction account
  • Borrow up to 80% of the value of your property
  • No set repayments (interest only repayments are required if you reach your limit)
  • Continual, cost effective credit facility
  • 24/7 internet banking, and mobile app access
  • Visa Debit card access, with your choice of card design
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Online Application

Internet Lending Privacy Collection Notice

Queensland Country Bank collects your personal information to assess your application, verify your identity, manage any products or services you hold with us, and comply with our legal and regulatory obligations (including under the Privacy Act 1988 (Cth), Privacy (Credit Reporting) Code and Anti‑Money Laundering and Counter‑Terrorism Financing Act 2006)

Our Privacy and Credit Reporting Policy explains how we manage your personal information, how you can access or correct it, and how to make a privacy or credit reporting complaint. Our Privacy and Credit Reporting Notification outlines how Queensland Country responsibly handles the collection, use, storage, and disclosure of your personal information, including credit-related details and credit reporting (including the credit reporting bodies we deal with).

Our Electronic Identity Verification Collection Notice explains how we will manage your personal information if you consent to us verifying your identity documents (e.g., Australian drivers licence) electronically using the Attorney-General’s Department’s Document Verification Service (DVS). You do not have to agree to verify your identity documents electronically. If you prefer not to provide your identity information online, you will be able to choose to verify your identity in person at a Queensland Country branch using your identity documents.

 

Consent

By continuing with your application, you:

 

Products issued by Queensland Country Bank Limited ABN 77 087 651 027 AFSL/Australian Credit Licence 244 533 are subject to applicable conditions, fees and charges, which may vary or be introduced over time. Further information and terms and conditions are available upon request. Approval of credit products is subject to our lending criteria. The information provided is general and does not consider your individual objectives, financial circumstances or needs. Before acting, assess whether the product is suitable for you. Please review the relevant disclosure documents, before making any decision. Target Market Determinations for our products can be accessed at any time.

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The comments shown above are a selection of 5 star reviews about Queensland Country Bank home loans submitted by our Members on ProductReview.com.au. View all reviews.

Rates & Fees

Product Interest Rate
Line of Credit 8.94 Interest rate
Fees
Establishment fee $250
Document fee $250
Annual fee $100

Interest rate from

8.94 Percent per annum

Apply online
Call 1800 075 078
Contact us
Make an appointment

Information you need to know

Rates are subject to change: Variable interest rates may change at any time without agreement. All interest rates quoted are per annum. Fees and charges are payable. Credit approval and terms: Normal lending criteria, terms and conditions apply and will be included in our Offer and Loan Contract.

Standard Residential Security: All residential investment loan interest rates quoted apply only where standard residential security is provided, please refer to a Queensland Country Bank Specialist for further information.

Loan to Value Ratio (LVR) is the total amount you have borrowed for your loan as a percentage of your property value.

Before acquiring this product, the information above should be read in conjunction with the following documents to determine if this product is right for you: Financial Services Guide; Target Market Determination; Home Loan brochure; Account and Access Facility Conditions of Use; Fees and Charges brochure; Investment Loan Interest Rate Schedule: and Credit Guide.

Rates and fees effective: 16th April 2026

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